What aspect of insurance policies do riders specifically address?

Riders are specific provisions or amendments added to insurance policies to modify the coverage, benefits, or terms of the existing policy. By addressing benefits that extend coverage, riders enhance the base policy by providing additional options tailored to the policyholder's needs. This can include things like additional coverage for specific risks, increased limits on certain benefits, or the inclusion of unique conditions that aren't standardly offered in the base policy. This flexibility allows policyholders to customize their insurance to better fit their personal circumstances or requirements.

The other choices primarily relate to different components of insurance policies. For example, premium payment terms pertain to how and when policy payments are made rather than extending coverage. Disputes regarding claims relate to claim handling and the resolution of disagreements, which is outside the scope of what riders provide. Lastly, policy duration extensions deal with the length of coverage, rather than adding specific benefits or options within the policy.